Risk rules side by side
Fintokei applies a static drawdown capped at 6 %, with a 3 % daily limit. TradeDay applies a trailing intraday drawdown. This is the single most consequential difference between the two. A static drawdown is measured once, from the starting balance, and never moves; a trailing drawdown follows your equity upward, so a winning streak raises the floor you can no longer fall below. Intraday trailing is stricter still, because it tracks unrealised peaks reached inside the session — profit you never actually banked can permanently raise your loss threshold.
Payout terms compared
Fintokei keeps 100 % of profits, allows a first withdrawal after 14 days, then pays Every 14 days. TradeDay keeps 90 % of profits, allows a first withdrawal after 0 days, then pays On demand from the first day, minimum $250 per withdrawal. Payout frequency deserves as much attention as the split itself: a slightly lower share paid every two weeks compounds faster than a headline percentage locked behind a monthly cycle and a long first-withdrawal delay.
Platforms and instruments
Fintokei is the only one of the two to offer mt5, ctrader. TradeDay covers tradovate, rithmic, ninjatrader, which its rival does not. Platform choice is not cosmetic: order execution, available order types and the reliability of your automation all depend on it, and switching mid-evaluation is rarely possible.
Trust and longevity
TradeDay has been running since 2020, 2 years longer than Fintokei. On Trustpilot they sit at 4.3/5 and 4.6/5 respectively. Our trust pillar scores them 72/100 and 85/100, which weighs age, corporate transparency and public payout evidence. In an industry with no financial regulator overseeing these evaluations, longevity and a verifiable payout history are the closest thing to a guarantee.
Entry cost
Fintokei opens at $44 against $131 for TradeDay, a substantial gap on the smallest account. At the reference size of 100 K the comparison is $419 for Fintokei against $240 for TradeDay. The headline fee is rarely the real cost, though: what matters is the price of a reset after a failed attempt, whether the fee comes back on the first payout, and whether an activation fee appears when you move to a funded account. Compare those three lines in the table above before deciding on price alone.